From December 31, all UPI users can view and manage all payments from a single app, find out how

UPI: The National Payments Corporation of India (NPCI) is set to bring a major change for Unified Payments Interface (UPI) users. From December 31, 2025, users will be able to view and manage all their UPI auto-pay mandates through any single app. This new rule will make it easier and more convenient for users to manage their recurring payments.

Details of this new change

Currently, users can only view and manage a UPI auto-pay mandate from the app through which it was created. For example, if a user has activated one mandate on Google Pay and another on PhonePe, they have to use both apps separately. According to the new directive from NPCI, all mandates will now be visible in any single UPI app. This will make it easier for users to get a complete picture of all their recurring payments, which will help in their financial planning.

Benefits for users

The biggest advantage of this new feature is its interoperability. Users will not only be able to see all their mandates in one place but will also be able to port or transfer their mandates from one UPI app to another. This will give users the freedom to choose their preferred app and will create healthy competition among different payment service providers. If a user is not satisfied with the service of one app, they can easily transfer all their mandates to another app without any hassle.

Transparency in financial control

This change will give users more control over their financial management. Often, users forget which apps they have enabled auto-pay on, leading to unexpected deductions. From now on, having a list of all mandates in a single app will allow users to easily identify and cancel unnecessary mandates. This will also help in increasing financial transparency and protecting users from fraud.

This move by NPCI is an effort to make the digital payment system more user-friendly and secure. All payment service providers and UPI apps have been instructed to implement this new framework by December 31, which will take India’s digital economy another step forward.